The first thing that happens, unfortunately, when you start falling behind on your bills is that the people you owe money (i.e. your creditors and, oftentimes, debt collectors) start calling you nonstop. If you’re like most consumers, you probably put off talking to them and even avoid picking up … Read more about Falling behind on your Bills? Here are 6 Tips for Negotiating with your Creditors
The average consumer spends years working on their credit score, building it up to a level that helps them to get better interest rates on everything from mortgages to car loans and more. Occasionally however, even for the most careful consumers who watch every credit step that they make, a small … Read more about Small Mistakes that can lead to Big Credit Problems
If you ask most consumers what the most important aspect of their credit score happens to be, many of them will tell you that they simply don’t know. There are a number of factors, no doubt, including payment history, late payments, whether you pay your balance in full at the end of every month … Read more about The Most Important Facts you Need to Know about your Credit Score
Sitting down to write out your New Year’s resolutions? If you want 2015 to be one of your best years, financially speaking, you definitely need to add improving your credit score to that list. Not only will increasing your credit score get you better interest rates on things like automobile loans … Read more about Want to Increase your Credit Score in 2015? Here’s How to Do It
Credit scores confuse many people. We’ve talked recently about some things that can (and can’t) cause your credit score to increase or decrease. One of the questions that we see quite frequently however is whether or not credit scores can fall after paying off an installment loan, and why. For … Read more about Why do some Credit Scores FALL after paying off a Loan?
Now that you see the difference between certain types of bankruptcy, and how and where to file bankruptcy litigation to pay off your creditors and protect your assets, it's time for part two. It's important to understand the litigation process once you reach bankruptcy court. A bankruptcy case … Read more about HOW TO NAVIGATE PERSONAL BANKRUPTCY (PART TWO)
Before filing for bankruptcy, there are some important considerations that you must make to ensure that you file properly and with your best interest in mind. These considerations must be undertaken to ensure that you can reclaim your personal credit and straighten out your finances after filing, … Read more about HOW TO NAVIGATE PERSONAL BANKRUPTCY (Part One)
A recent study released by the FTC found that 1 out of 4 people had errors on at least 1 of their credit reports from the Big 3 agencies and that 5% of them had errors so serious that it could affect a mortgage or car loan and other types of financial products. This is alarming news, especially … Read more about How to Report Errors on your Credit Report